Investment Planning

Framework first, products second

Investment planning starts with order and structure, not predictions: which money belongs in which account, which part needs a protection floor, and which part can grow long-term. With the order right, volatility is easier to live with.

Three building blocks

• Account order: TFSA, RRSP, FHSA and non-registered accounts each have their own tax character. Use the right account first, then choose what goes inside.
• Segregated funds: fund arrangements offered by insurers, with maturity and death-benefit guarantees and beneficiary designations — suited to families who think about investing and estate transfer together.
• Time and diversification: the Rule of 72 for doubling time, and three-scenario projections (conservative, base, optimistic) to see the road before walking it.

Next step

To check whether your account order and protection floor make sense, book a 30-minute Zoom and align the framework first. This page is education only — not investment advice, and no returns are promised.

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